Free Monthly Budget Starter — Excel & Google Sheets Budget Template with 50/30/20 Check (English + German)

A simple one-month budget to start with: what comes in, what you plan to spend, what you actually spent, and what is left to assign. Free, no strings.

What's inside

- Budget: income and up to 30 spending lines, each marked Need, Want, Saving, or Giving. Planned versus actual, left to assign, and a 50/30/20 check that shows your real split.

- Sinking Funds: yearly or irregular costs (insurance, car repairs, gifts) turned into a monthly amount.

- Emergency Fund: a target of 3 to 6 months of essential costs, the gap, and how many months it takes at your monthly saving.

- More from Wellkept: links to the free online calculators and the full workbooks, if you want more later.

- English and German files with the same structure.

How to use it

Open the .xlsx file in Microsoft Excel (2016 or later) or LibreOffice Calc, or upload it to Google Drive and open it with Google Sheets. Teal cells are for your entries; grey cells calculate automatically.

This is an organizational template, not financial advice. It does not connect to any bank. Personal use only.